Defend against identity theft with Instant Alerts. Fraudulent activity on your credit report can complicate your life and take ages to correct. Learn more about how to get better protection with instant email alerts regarding all credit inquiries.

Credit Lock Plus – Equifax and Transunion

Credit Lock Plus is a powerful way to prevent identity thieves from accessing your TransUnion and Equifax credit reports. Learn more about how easy it is to protect your reports with Credit Lock Plus.

TransUnion Credit Score Simulator

Score Simulator shows you ways your current credit score would change based on future actions and events.

TrueIdentity Free Identity Protection

Get powerful identity protection in your hands now with TrueIdentity. It’s backed by TransUnion and completely free!

A credit report is your financial dossier. It is a record of your credit history that lenders use to determine your creditworthiness. Learn more about credit reporting, explore article archives, and educate yourself about this essential component of your financial health.

Credit Score

Educate yourself about what impacts your credit scores. Understand how your credit score plays a crucial role in major life decisions, from auto financing to buying a new home. Click here to explore our article archive.

Identity Theft

Identity theft is a serious crime. Learn more about how to protect your personal information. Find easy tips for preventing identify theft, from locking your credit report to setting up better passwords.

Credit Monitoring

Learn more about the importance of credit monitoring. With credit monitoring you can spot identity theft, correct inaccuracies and receive alerts when changes are made to your report. Keep yourself informed. Read more about how credit monitoring can contribute to your financial health.

Debt and Money Management

Develop the management skills to create and maintain your financial health. Read more about simple ways you can take control of your finances. Useful tips for making a budget, reducing your debt and building a brighter financial future.

Credit Bureaus

You have three different credit reports, one for each of the three credit bureaus—TransUnion, Experian and Equifax. Information varies from bureau to bureau, so it’s important to monitor all three of your reports. Click here to learn more.

Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

Mortgage

Whether you’re a first-time homebuyer, second-mortgage seeker or refinancer, financing a home may be the most important investment you make. Learn more about one of the biggest financial decisions of your life.

Credit Cards

Learn more about the different types of credit cards and how they can help you establish better credit for the future. Read more about how credit cards affect your credit rating. With our Featured Offers, find the card that best fits your lifestyle.

Frequently Asked Credit Questions

Staying on top of your finances requires educating yourself on various credit situations.
Get the answers to commonly asked questions about managing your credit.

If you need quick assistance with a task relating to your credit report, you are in the right place. This is your hub where you can place a credit freeze, dispute, fraud alert or request your credit report. Click to find out more and check out our most frequently asked credit questions.

Get Your Free Annual Credit Report

You can order your annual credit reports from each of the three credit bureaus (TransUnion, Experian and Equifax) online at AnnualCreditReport.com. Click here to learn more about how to interpret your credit reports.

Disputes

Learn how to dispute inaccurate and fraudulent information on your credit report. TransUnion offers the easiest and fastest way to resolve any and all inaccuracies on your record. Click here to file your dispute now.

Credit Freeze

If you are concerned about becoming a victim of fraud or identity theft, a Credit Freeze might be right for you. Learn more about placing a freeze on your credit report to prevent lenders from accessing your TransUnion credit report entirely, which will prevent them from extending credit.

Credit Disclosures

Under the FACT Act amendments to the Fair Credit Reporting Act, you are entitled to one free annual credit report from each of the three major credit reporting companies per year. Click here to see if you qualify for additional free or reduced fare credit reports.

Fraud Alerts

If you suspect you have been the victim of fraud, TransUnion makes it easy to send alerts to your creditors and the other credit bureaus. Click here to learn more about protecting yourself by sending out alerts now.

Fraud Victims Resources

We know how hard it is to be the victim of fraud. TransUnion makes it easier for you to handle the situation by placing fraud alerts and providing a list of institutions you will need to contact to clear your name, as well as other important resources. Click here to learn more.

Budgeting and Money Management

How to budget moneyBudgeting is the first step toward creating and maintaining your long-term financial health. Start by making two lists: income and expenses. Then subtract your total expenses from your total income. If this equation results in a negative number, then you have a clear problem. It means you’re spending above your means. You either need to increase your income or decrease your spending. A good budget will show a positive number, which indicates that you’re spending below your means. Your overall budget goal should always be a positive bottom line.

Debt management

Good financial health is achieved by using credit wisely and sparingly. To reduce your debt, you need a debt repayment strategy or debt loss plan. Begin by listing all your debts from smallest to largest. Start repaying them, beginning with the smallest and working your way up. Some may argue that it's better to pay off debts with the highest interest rates first, but you'll have some small "wins" early on if you arrange them from smallest to largest. Psychologically, this motivates you to keep going. You can also trim some financial fat by taking advantage of balance transfers on high rate credit cards.

Add a credit monitoring serviceCredit monitoring services will help you secure the credit you’ve worked so hard to build. Think of it like a night watchman, someone looking out for the presence of unauthorized activity in your credit corridor.

Create an emergency fundHaving an emergency fund ensures that you'll have money in your account in the event of job loss, health issues or anything else that can dismantle your finances. Emergency funds provide security in the face of unforeseen financial hardships. A solid guideline is to have six to eight months of expenses available in your account. You can start by putting aside 10% of each paycheck.

Prepare for the futureIf you want to protect your children and other beneficiaries from future financial hardship, you need a plan. You can start by taking out life insurance, opening a retirement account and, if applicable, creating a college savings plan.

Have funThis step probably takes most people by surprise, but if you're not having any fun, it’s hard to successfully maintain your financial health. Put aside a portion of your income for guilt-free spending. If you sacrifice too much on your mission for good financial health, you risk relapsing and spending significant portions of the money you've worked so hard to save. Make it a point to treat yourself occasionally, within reason. Try opening a "fun fund," an account you use for special weekend trips, nights out with friends or some other big-ticket purchase.